Terms and Conditions

Effective Date: February 20, 2026

Welcome to the ClearNex Agency website (“Website”). These Terms and Conditions (“Terms”) govern your use of this Website and the services provided by ClearNex Agency (“Company,” “we,” “our,” or “us”). By accessing or using this Website, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use this Website.

1. About ClearNex Agency
ClearNex Agency is a financial services agency offering life insurance and related financial protection services. The information provided on this Website is for general informational purposes only and is not intended as legal, tax, or financial advice.
For personalized advice, you should consult a licensed professional.

2. Eligibility
By using this Website, you confirm that:

• You are at least 18 years of age.

• You are legally able to enter into binding agreements.

• You will use this Website only for lawful purposes.
   

3. No Financial or Legal Advice
All content on this Website — including text, graphics, resources, and communications — is provided for informational purposes only.

Nothing on this Website constitutes:

• Legal advice

• Tax advice

• Investment advice

• A guarantee of coverage or approval
   

Insurance coverage is subject to underwriting guidelines, policy terms, and approval by the issuing insurance carrier.

4. Quotes & Policy Information
Any insurance quotes provided through this Website:

• Are estimates only

• Are not guarantees of coverage

• May change based on underwriting, health history, and other factors
   

Final policy terms are determined solely by the insurance carrier.

5. Intellectual Property
All content on this Website, including:

• Logos

• Branding

• Text

• Graphics

• Videos

• Downloads
   

is the property of ClearNex Agency unless otherwise stated and is protected by applicable copyright and intellectual property laws.
You may not copy, reproduce, distribute, or use our content without written permission.

6. User Conduct
You agree not to:

• Use this Website for fraudulent or unlawful purposes

• Attempt to gain unauthorized access to our systems

• Submit false or misleading information

• Interfere with the operation or security of the Website
   

We reserve the right to restrict or terminate access if these Terms are violated.

7. Third-Party Links
This Website may contain links to third-party websites. ClearNex Agency is not responsible for the content, accuracy, or privacy practices of those external sites.

Accessing third-party websites is at your own risk.

8. Limitation of Liability
To the fullest extent permitted by law, ClearNex Agency shall not be liable for:

• Any direct, indirect, incidental, or consequential damages

• Loss of data or profits

• Decisions made based on information from this Website
   

Your use of this Website is at your own risk.

9. Privacy
Your use of this Website is also governed by our Privacy Policy. By using this Website, you consent to the collection and use of information as described in that policy.

10. Indemnification
You agree to indemnify and hold harmless ClearNex Agency, its affiliates, officers, agents, and partners from any claims, damages, or expenses resulting from your use of the Website or violation of these Terms.

11. Changes to Terms
ClearNex Agency reserves the right to update or modify these Terms at any time without prior notice. Changes will be effective upon posting to this Website.

Your continued use of the Website constitutes acceptance of those changes.

12. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of Texas, without regard to conflict of law principles.

13. Contact Information
If you have questions regarding these Terms and Conditions, please contact:

ClearNex Agency
kthomas@clearnexagency.com
832-793-6752